Maybe look into a prescribed annuity... although 10k is not a lot.
Ideally, it would pay out for 20 years, rather than to death and drop down to zero, then stop, while paying directly to her on a monthly or quarterly basis.
Why? Annuities may have quite a few fees, but simple ones should not be too bad and are designed to lock you away from touching the principal, in return for a chance for the company to profit by your early death and annual fees.